---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-22-019778"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2022-10-20T23:59:59+00:00"
generated_at: "2026-06-23T02:31:48.285645+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Hanover pre-announces Q3 catastrophe losses of $90M pre-tax; operating EPS guided $0.95-$1.00

## Summary
- Pre-tax catastrophe losses ~$90M (6.8 points of NEP), ~$22M above assumption.
- Hurricane Ian contributed ~$28M of catastrophe losses, mainly in Commercial Lines in Florida.
- Expected Q3 current accident year loss and LAE ratio ex-cat 64.1%; combined ratio ex-cat 94.2%.
- Expected Q3 operating income per share in range of $0.95 to $1.00.
- Company accelerating property price increases to offset elevated ex-CAT losses from inflation and supply chain pressures.

## SEC filing metadata
- accession: 0000950170-22-019778
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2022-10-20T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000095017022019778/0000950170-22-019778-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000095017022019778/thg-20221020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-22-019778
- JSON: https://secwatch.observer/filing/0000950170-22-019778.json
- Plain text: https://secwatch.observer/filing/0000950170-22-019778.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.